Primary location
1608 N Rutherford StMacon, MO 63552
Mortgage Loan Originator
NMLS# 799210
660.395.6975
angela.findling@usbank.com
660.341.6200
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyI'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 660.395.6975.
Service areas include
Primary location
1608 N Rutherford St660.395.6975
660.341.6200
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyYou need a lender that cares about your clients as much as you do.
The mortgage rates shown below assume a few basic things, including:
Rates are current as of .
See rates for other states.
Term | Rate | APR | Points |
---|---|---|---|
30-year fixed | |||
20-year fixed | |||
15-year fixed | |||
10-year fixed |
Term | Rate | APR | Points |
---|---|---|---|
10-year ARM | |||
7-year ARM | |||
5-year ARM |
Term | Rate | APR | Points |
---|---|---|---|
30-year fixed - FHA |
Term | Rate | APR | Points |
---|---|---|---|
30-year fixed - VA |
Term | Rate | APR | Points |
---|---|---|---|
30-year fixed - jumbo | |||
20-year fixed - jumbo | |||
15-year fixed - jumbo |
Mortgage Loan Originator
NMLS# 799210
660.395.6975
660.395.6975
660.341.6200
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyUse our mortgage calculator to help you better understand your home financing options.
Mortgage Loan Originator
NMLS# 799210
660.395.6975
660.395.6975
660.341.6200
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage Loan Originator
NMLS# 799210
660.395.6975
660.395.6975
660.341.6200
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyGet answers to your questions regarding home financing, refinancing and more.
A Federal Housing Administration (FHA) loan is a government-backed loan that’s insured by the Federal Housing Administration. FHA loans typically have lower credit and down payment requirements for qualified home buyers. For example, the minimum required down payment for an FHA loan is only 3.5% of the purchase price.
If you’ve decided a Federal Housing Administration (FHA) loan may be right for you and you meet the general qualifications, including:
You can start your application on your own, or with the help of your mortgage loan officer, who can work with you to see if you qualify for a FHA loan.
Federal Housing Administration (FHA) loans are available to all qualified buyers, regardless of income level. They often have more flexible lending requirements than conventional loans. All FHA loans require mortgage insurance which protects the lender against any loss if mortgage payments are missed. To learn more about how FHA loans work, speak with your mortgage loan officer.
Depending on your home-ownership goals, there are several options for first-time home buyer loans Some examples include Federal Housing Administration (FHA), Veterans Affairs (VA) and United States Department of Agriculture (USDA) loans, which allow for low to zero down payments for qualified buyers. Conventional loans are another option, and you could qualify with a credit score as low as 620 but you’ll need a more substantial down payment (up to 20% depending on your situation). It’s important to consider the benefits of different loan options before deciding which one is right for you.
To qualify for mortgage loans that are best suited for first-time home buyers, there are general requirements that can include:
Your mortgage loan officer can work with you to see if you qualify for any first-time home buyer loans
If you have not owned a home in the last three years, you may be eligible to apply for a first-time home buyer loan and down payment assistance. The requirements for each loan type vary, but they typically are based on your credit score and down payment amount. Contact your mortgage loan officer to see if you qualify.
A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment. If you have good credit and a low debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income), a conventional fixed-rate loan may be a good option for you.
A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Check out today’s rates for a conventional fixed-rate loan or compare mortgage rates for a variety of loan options. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.
Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage (ARM) the interest rate may change periodically, based on a pre-determined index, for example the U.S. Treasury, and margin set by the bank. The initial interest rate is fixed for a set period, typically three to 10 years depending on the loan product, and then becomes variable. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.
United States Department of Agriculture (USDA) loans are mortgages guaranteed by the U. S. Department of Agriculture. A USDA loan can be a good option for buyers with lower to moderate incomes in eligible rural areas. These are zero down payment loans with low interest rates, and they typically have more flexible credit requirements than conventional mortgages. Contact your mortgage loan officer to see if you qualify for a USDA loan.
If you’re considering a United States Department of Agriculture (USDA) loan, you should be prepared to meet the established guidelines for credit score, income and debt-to-income ratio. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool . Contact your mortgage loan officer to see if you qualify for a USDA loan.
United States Department of Agriculture (USDA) loans are available to qualified buyers with low to moderate incomes in eligible rural areas. To be eligible for a USDA loan, the home must meet certain requirements and it must be your primary residence in a rural community. Rental properties and vacation homes do not qualify. To learn more about how USDA loans work, connect with your mortgage loan officer.
If you’ve decided to buy an investment property, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and cash reserves. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool . Contact your mortgage loan officer to learn more and see if you qualify.
Interest rates on investment properties are typically higher than a traditional mortgage interest rate. U.S. Bank offers a variety of investment property loans to suit nearly every need. To learn more about real estate investment loans and current investment property loan mortgage rates, contact your mortgage loan officer.
When considering the purchase of investment property, it’s important to do your research before diving in. You should weigh the pros and cons of real estate investing carefully to determine if it’s right for you. Once you’ve decided which characteristics are most important to you for the property, such as type, location, size and amenities, contact your mortgage loan officer to learn more about real estate investment loans and see if you qualify.
Mortgage Loan Originator
NMLS# 799210
660.395.6975
660.395.6975
660.341.6200
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyBy selecting "Continue," you will leave U.S. Bank and enter a third party Web site. U.S. Bank is not responsible for the content of, or products and services provided by , nor does it guarantee the system availability or accuracy of information contained in the site. This Web site is not controlled by U.S. Bank. Please note that the third party site may have privacy and information security policies that differ from those of U.S. Bank.
Continue